Re: High Balance vs. Reported Balances

I think the only issue you'll ever see is a manual review, but even then they look at whats the reported balance now vs the credit limit. Even more so if you've had the card for more than 6 months.

If you've had the card 3 years and go to get a mortgage they will manually look at your credit reports, but really all they will care about is that your payments are all on time, and what your balance is, at the point of review for DTI ratio. They won't care that 3 years ago you maxed out your credit card. And unless you only have cap 1 you should see a credit limit increase after 3 years anyways so really it wouldn't even bee 100% at that point...